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No matter what your financial journey, everyone needs a little help along the way. iQ can help, whether you want to finance a new car or a new home.

We offer competitive loans to meet all your needs. Qualifying for a loan is simple. Start by estimating the amount you need to borrow and the money payments, then apply online or by telephone. We’ll let you know if you qualify superfast so you can get on with more important things.

Cash-Rewards

Deposit Rates

Shares, Checking, Certificates, IRAs and Money Market Accounts

Intelligent Checking & Shares - Rates Effective as of November 13, 2019
Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open Title-Date More Info
Intelligent Checking Qualifying
$0—$25,000
2.472% 2.500% $0.00 $0.00
Intelligent Checking Qualifying
$25,000+
0.995% 1.000% $0.00 $0.00
Intelligent Checking Qualifying
Non-Qualifying
0.050% 0.050% $0.00 $0.00
Interest Checking 0.050% 0.050% $0.00 $0.00
Regular Shares (Savings) 0.050% 0.050% $100.00 $5.00
IRA Shares 0.300% 0.300% $25.00 $0.00
Roth IRA Shares 0.300% 0.300% $25.00 $0.00

* Fees could reduce earnings on this account. Rate may change at any time after account is open.

Certificates - Rates Effective as of November 13, 2019
Term Interest Rate Annual Percentage Yield (APY) Member Perks Rate Member Perks APY Title-Date More Info
3 Month 0.748% 0.750% 0.998% 1.002%
6 Month 1.244% 1.250% 1.494% 1.503%
12 Month 1.492% 1.500% 1.742% 1.753%
24 Month 1.739% 1.750% 1.989% 2.004%
36 Month 2.133% 2.150% 2.383% 2.404%
60 Month 2.280% 2.300% 2.530% 2.555%

* Fees could reduce earnings on these accounts. Rates may change at any time after account opening.

IRA Certificates - Rates Effective as of November 13, 2019
Term Interest Rate Annual Percentage Yield (APY) Member Perks Interest Rate Member Perks APY Title-Date More Info
3 Month 0.748% 0.750% 0.998% 1.002%
6 Month 1.244% 1.250% 1.494% 1.503%
12 Month 1.492% 1.500% 1.742% 1.753%
24 Month 1.739% 1.750% 1.989% 2.004%
36 Month 2.133% 2.150% 2.383% 2.404%
60 Month 2.280% 2.300% 2.530% 2.555%

* Fees could reduce earnings on these accounts. Rates may change at any time after account opening.

Money Market Accounts - Rates Effective as of November 13, 2019
Description Interest Rate Annual Percentage Yield (APY) Minimum Balance Minimum to Open Title-Date More Info
$0—$999 0.050% 0.050% $1,000.00 $1,000.00
$1,000—$9,999 0.050% 0.050% $1,000.00 $1,000.00
$10,000—$49,999 0.100% 0.100% $10,000.00 $1,000.00
$50,000—$99,999 0.150% 0.150% $50,000.00 $1,000.00
$100,000+ 0.150% 0.150% $100,000.00 $1,000.00

* Fees could reduce earnings on these accounts. Rates may change at any time, including after account is opened.

iQ-Credit-Cards

Loan Rates

Auto, Motorcycle, Boat, RV, Personal, Home Equity Line of Credit and Credit Cards

Auto Loans - Rates Effective as of December 1, 2019
Loan Type APR Payment Schedule Monthly Payment
Per $1,000 Borrowed
Title-Date More Info
2015 & Newer 3.70% - 16.34% up to 60 months $18.28 - $24.50
3.70% - 16.99% up to 72 months $15.51 - $22.10
3.89% - 7.49% up to 84 months $13.65 - $15.33
2011 — 2014 4.00% - 16.64% up to 60 months $18.42 - $24.66
4.00% - 17.29% up to 72 months $15.65 - $22.41
4.19% - 7.79% up to 84 months $13.79 - $15.48
1999 - 2010 5.20% - 17.84% up to 66 months $17.45 - $23.89

* APR = Annual Percentage Rate. Actual rates depend on member credit qualifications, including term of loan, age of vehicle, credit and employment history.

Motorcycle, RV and Boat - Rates Effective as of October 1, 2019
Loan Type APR Payment Schedule Monthly Payment
Per $1,000 Borrowed
Title-Date More Info
2017 — 2019 4.74% - 17.34% up to 60 months $18.75 - $25.04
5.94% - 18.14% up to 120 months $11.07 - $18.11
6.44% - 18.64% up to 180 months $8.68 - $16.57
2016 & Older 5.24% - 17.84% up to 60 months $18.98 - $25.31
6.44% - 18.64% up to 120 months $11.32 - $18.43
6.94% - 19.14% up to 180 months $8.95 - $16.93

* APR = Annual Percentage Rate. Actual rates depend on member credit qualifications, including term of loan, age of vehicle, credit and employment history.

Personal Loan - Rates Effective as of October 1, 2019
Loan Type APR Payment Schedule Payment Per $1000 Borrowed Title-Date More Info
Personal Loans 9.99% - 19.99% up to 48 months $25.36 - $30.42

* APR = Annual Percentage Rate. Rate is variable and may change. Qualification is based on assessment of individual credit worthiness and our underwriting standards. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.

Personal Access Line of Credit - Rates Effective as of October 1, 2019
Loan Type APR Index / Margin Title-Date More Info
Personal Access Line of Credit 12.00% Variable Prime Rate | 5%
Share/Certificate Secured Variable Share/Certificate Rate | 3%
Home Equity Line of Credit - Rates Effective as of October 1, 2019
Loan Type APR Fixed or Variable Rate Index Margin Annual Fee Title-Date More Info
up to 80% Home Equity Line of Credit 4.75% - 6.25% Variable Prime Rate -.25% - 1.75% $35
85% Home Equity Line of Credit 5.50% - 7.50% Variable Prime Rate .50% - 2.50% $35
95% Home Equity Line of Credit 6.25% - 7.25% Variable Prime Rate 1.25% - 2.25% $35

* APR = Annual Percentage Rate. Actual rates depend on member credit qualifications including credit and employment history, and amount of equity in the property. The current Wall Street Journal prime index rate is 4.75%. We add a margin to the index to determine the actual interest rate. The minimum APR is 3.75% The maximum APR is 15.00%. Rates for fixed term conversions taken against the line range from 5.25% APR to 8.25% APR. Loan Costs: Range between $155 and $1,500 to cover third party costs, and are paid by the borrower. Learn more about Home Equity.

Credit Cards - Rates Effective as of November 25, 2019
Loan Type APR for Purchases APR for Cash Advances Title-Date More Info
Visa Platinum 8.74% - 18.74% 8.74% - 18.74%
Visa Platinum Rewards 10.74% - 19.74% 10.74% - 19.74%

* APR = Annual Percentage Rate. The current Wall Street Journal prime index rate is 4.75%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on assessment of individual credit worthiness and our underwriting standards. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Visa Platinum Information | Visa Platinum Rewards Information.

First-Time-Homebuyers

Mortgage Rates

Refinance, Purchase and special Government, Teacher and First Responder Options

* The Annual Percentage Rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 7/1, 10/1 Adjustable Rate loans are calculated based on a purchase/refinance of single family, owner occupied residence with a down payment or existing equity of 40%, a loan amount less than $484,350.00 and a property located in Clark Co, WA.

The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $845.00 processing fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ.

Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 720 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.

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